James Darrell Haire

US Patent:

20130173463, Jul 4, 2013

Filed:

Feb 25, 2013

Appl. No.:

13/776564

Inventors:

Matthew Lacey Petersen - St. Paul MN, US
Brian John Gallmeier - Lino Lakes MN, US
Teresa Marie Crews - Shoreview MN, US
Mark Andrew Nipe - Lino Lakes MN, US
James Michael Haire - Eagan MN, US
Robert Lawrence Hill - Mill Creek WA, US
Michael Richard Bates - Kenmore WA, US

Assignee:

eFunds Corporation - Jacksonville FL

International Classification:

G06Q 20/04

US Classification:

705 39

Abstract:

An electronic payment and authentication system that includes features to verify the authenticity of a payer, validate debit data, and facilitate debit (as opposed to credit) payment transactions. The electronic payment system allows a consumer to purchase items and services via a network while utilizing a debit transaction. The invention provides merchants with the ability to verify the identity of the consumer, determine if the consumer is a good debit transaction risk, and retrieve debit data associated with a particular consumer.

US Patent:

20200294005, Sep 17, 2020

Filed:

May 29, 2020

Appl. No.:

16/887859

Inventors:

- Jacksonville FL, US
Matthew Lacey Peterson - St. Paul MN, US
Brian John Gallmeier - Lino Lakes MN, US
Teresa Marie Crews - Shoreview MN, US
Mark Andrew Nipe - Lino Lakes MN, US
James Michael Haire - Eagan MN, US
Robert Lawrence Hill - Mill Creek WA, US
Michael Richard Bates - Kenmore WA, US

International Classification:

G06Q 20/04
G06Q 20/08
G06Q 20/10
G06Q 20/28
G06Q 20/40
G06Q 30/04
G06Q 40/00
G06Q 40/02

Abstract:

An electronic payment and authentication system that includes features to verify the authenticity of a payer, validate debit data, and facilitate debit (as opposed to credit) payment transactions. The electronic payment system allows a consumer to purchase items and services via a network while utilizing a debit transaction. The invention provides merchants with the ability to verify the identity of the consumer, determine if the consumer is a good debit transaction risk, and retrieve debit data associated with a particular consumer.

US Patent:

20190279171, Sep 12, 2019

Filed:

May 16, 2019

Appl. No.:

16/414736

Inventors:

- Jacksonville FL, US
Matthew Lacey Peterson - St. Paul MN, US
Brian John Gallmeier - Lino Lakes MN, US
Teresa Marie Crews - Shoreview MN, US
Mark Andrew Nipe - Lino Lakes MN, US
James Michael Haire - Eagan MN, US
Robert Lawrence Hill - Mill Creek WA, US
Michael Richard Bates - Kenmore WA, US

International Classification:

G06Q 20/04
G06Q 20/10
G06Q 40/00
G06Q 20/40
G06Q 20/08
G06Q 20/28
G06Q 40/02
G06Q 30/04

Abstract:

An electronic payment and authentication system that includes features to verify the authenticity of a payer, validate debit data, and facilitate debit (as opposed to credit) payment transactions. The electronic payment system allows a consumer to purchase items and services via a network while utilizing a debit transaction. The invention provides merchants with the ability to verify the identity of the consumer, determine if the consumer is a good debit transaction risk, and retrieve debit data associated with a particular consumer.

Author:

James Haire

ISBN #:

3820458883